Method, apparatus and system for payment validation

Abstract

A method, apparatus and system for payment validation have been disclosed. The method includes: receiving a payment validation request from a terminal, wherein the payment validation request includes identification information and a current voice signal; detecting whether the identification information is identical to a pre-stored identification information; if identical: extracting voice characteristics associated with an identity information and a text password from the current voice signal; matching the current voice characteristics to a pre-stored speaker model; if successfully matched: sending an validation reply message to the terminal to indicate that payment request has been authorized. The validation reply message is utilized by the terminal to proceed with a payment transaction. The identity information identifies an owner's current voice signal, and the text password is indicated by the current voice signal. The method eliminates the requirement of the server sending a SMS message with a validation code to the terminal.

What is claimed is: 
     
         1 . A method for payment validation, comprising performing by a server:
 receiving a payment validation request from a terminal, wherein the payment validation request comprises identification information and a current voice signal;   detecting whether the identification information is identical to a pre-stored identification information; if identical:
 extracting voice characteristics associated with an identity information and a text password from the current voice signal; 
 matching the current voice characteristics to a pre-stored speaker model; if successfully matched:
 sending an validation reply message to the terminal to indicate that payment request has been authorized, wherein the validation reply message is utilized by the terminal to proceed with a payment transaction, wherein the identity information identifies an owner of the current voice signal, and the text password is a password indicated by the current voice signal. 
 
   
     
     
         2 . The method according to  claim 1 , wherein prior to receiving the payment validation request from the terminal, the method comprising:
 receiving a registration request sent from the terminal, wherein the registration request comprises the identification information and an initial voice signal;   detecting whether the identification information is identical to the pre-stored identification information; if identical:
 extracting initial voice characteristics associated with the identity information and the text password from the initial voice signal; 
 generating a speaker model according to the initial voice characteristics; 
 storing the speaker model and taking the stored speaker model as the pre-stored speaker model, 
   wherein the identity information identifies an owner of the initial voice signal, and the text password is a password indicated by the initial voice signal.   
     
     
         3 . The method according to  claim 2 , wherein the step of matching the current voice characteristics to the pre-stored speaker model, comprising:
 computing a likelihood score of the matching of the current voice characteristics to the pre-stored speaker model; and   deciding that the current voice characteristics and the pre-stored speaker model are successfully matched, if the likelihood score has exceeded a predetermined threshold.   
     
     
         4 . The method according to  claim 3 , wherein:
 the current voice characteristics comprises Mel frequency cepstral coefficients (MFCC) or linear predictive coding cepstral coefficients (LPCC) of the current voice signal,   the initial voice characteristics comprises the Mel frequency cepstral coefficients (MFCC) or the linear predictive coding cepstral coefficients (LPCC) of the initial voice signal,   the speaker model comprises at least one of: a Hidden Markov Model (HMM), Gaussian Mixture Model (GMM) or Support Vector Machine (SVM), and   the likelihood score comprises a log-likelihood ratio score.   
     
     
         5 . A method for processing a payment validation request sent through a microphone of a terminal, comprising a server, performing:
 receiving from the terminal, identification information input by a user;   acquiring current voice signal collected by the terminal microphone;   transmitting a payment validation request from the terminal to the server, wherein the payment validation request comprises identification information and the current voice signal, such that the server performs validation on the payment validation request;   detecting whether the identification information is identical to a pre-stored identification information; if identical:
 extracting voice characteristics associated with an identity information and a text password from the current voice signal; 
 matching the current voice characteristics to a pre-stored speaker model; if successfully matched:
 sending by the server, an validation reply message to the terminal to indicate that payment request has been authorized, wherein the validation reply message is utilized by the terminal to proceed with a payment transaction, wherein the identity information identifies an owner of the current voice signal, and the text password is a password indicated by the current voice signal. 
 
   
     
     
         6 . The method according to  claim 5 , further comprising the following steps prior to receiving identification information input by the user:
 receiving identification information input by the user;   acquiring by the server, an initial voice signal collected by the terminal microphone;   sending a registration request from the terminal to the server, wherein the registration request comprises the identification information and the initial voice signal;   detecting by the server, whether the identification information is identical to the pre-stored identification information; if identical:
 extracting initial voice characteristics associated with the identity information and the text password from the initial voice signal; 
 generating a speaker model according to the initial voice characteristics; 
 storing the speaker model and taking the stored speaker model as the pre-stored speaker model. 
   
     
     
         7 . An apparatus for payment processing a payment validation request on a server, comprises at least a processor operating in conjunction with a memory and a plurality of modules, the plurality of modules comprise:
 an validation request reception module for receiving a payment validation request sent from a terminal, the payment validation request comprises identification information and a current voice signal;   a first detection module for detecting whether the identification information is identical to a pre-stored identification information;   a first extraction module for extracting voice characteristics associated with an identity information and a text password from the current voice signal; when it is detected that the identification information is identical to the pre-stored identification information;   a matching module for matching the current voice characteristics to a pre-stored speaker model; if successfully matched;   an validation reply transmission module for transmitting an validation reply message to the terminal to indicate that payment request has been authorized for payment transaction, when it is determined that the current voice characteristics has been successfully matched to a pre-stored speaker model, such that the terminal utilizes the received validation reply message to proceed with a payment transaction,   wherein the identity information identifies an owner of the current voice signal, and the text password is a password indicated by the current voice signal.   
     
     
         8 . The apparatus according to  claim 7 , further comprises:
 a registration request reception module for receiving a registration request sent from the terminal, the registration request comprises the identification information and an initial voice signal;   a second detection module for detecting whether the identification information in the registration request received by the registration request reception module is the same as the pre-stored identification information;   a second extraction module for extracting the initial voice characteristics associated with the identity information and the text password from the initial voice signal; when it is determined that the identification information detected by the second detection module is identical to the pre-stored identification information;   a generation module for generating a speaker model according to the initial voice features extracted by the second extraction module;   a storage module for storing the speaker model generated by the generation module, and taking the stored speaker model as a pre-stored voice print model,   wherein the identify information is the information of the owner of the initial voice signal, and the text password is the password indicated by the initial voice signal.   
     
     
         9 . The apparatus according to  claim 8 , wherein the matching module comprises:
 a computation element for computing a likelihood score of the matching of the current voice characteristics to the pre-stored speaker model;   a decision element for deciding that the current voice characteristics and the pre-stored speaker model are successfully matched, if the likelihood score has exceeded a predetermined threshold.   
     
     
         10 . The apparatus according to  claim 9 , wherein:
 the current voice characteristics comprises Mel frequency cepstral coefficients (MFCC) or linear predictive coding cepstral coefficients (LPCC) of the current voice signal,   the initial voice characteristics comprises the Mel frequency cepstral coefficients (MFCC) or the linear predictive coding cepstral coefficients (LPCC) of the initial voice signal,   the speaker model comprises at least one of: a Hidden Markov Model (HMM), Gaussian Mixture Model (GMM) or Support Vector Machine (SVM), and   the likelihood score comprises a log-likelihood ratio score.   
     
     
         11 . An apparatus for processing payment validation request within a terminal utilizing a microphone, comprises at least a processor operating in conjunction with a memory and a plurality of modules, the plurality of modules comprise:
 a first reception module for receiving identification information input by a user;   a first acquisition module for acquiring current voice signal collected from the microphone;   a validation request transmission module for transmitting a payment validation request to a server, the payment validation request containing the identification information received by the first reception module and the current voice signal acquired by the first acquisition module, such that the server receiving the payment validation request from the terminal performs:
 detecting whether the identification information is identical to the pre-stored identification information; if it is detected to be identical:
 extracting voice characteristics associated with an identity information and a text password from the current voice signal; 
 matching the current voice characteristics to a pre-stored speaker model; 
 
 if successfully matched:
 an validation reply transmission module for transmitting an validation reply message to the terminal to indicate that payment request has been authorized for payment transaction, such that the terminal; 
 
   an validation reply reception module in the apparatus for receiving the validation reply message transmitted from the server, and utilizing the received validation reply message to proceed with a payment transaction.   
     
     
         12 . The apparatus as defined in  claim 11 , further comprises:
 a second reception module for receiving identification information input by the user;   a second acquisition module for acquiring an initial voice signal collected from the microphone;   a registration request transmission module for transmitting a registration request to the server, the registration request comprises the identification information and the initial voice signal, such that the server receiving the registration request from the terminal, performing:
 detecting whether the identification information is identical to the pre-stored identification information, if identical:
 extracting initial voice characteristics associated with the identity information and the text password from the initial voice signal; 
 generating a speaker model according to the initial voice characteristics; 
 storing the speaker model and taking the stored speaker model as the pre-stored speaker model, wherein the identity information identifies an owner of the initial voice signal, and the text password is a password indicated by the initial voice signal. 
 
   
     
     
         13 . A system for payment validation, comprises at least a terminal and a server, the terminal and the server being connected through a wired network connection or a wireless network connection,
 wherein the terminal utilizes a microphone, comprises at least a processor operating in conjunction with a memory and a plurality of modules, the plurality of modules comprise:   a first reception module for receiving identification information input by a user;   a first acquisition module for acquiring current voice signal collected from the microphone;   a validation request transmission module for transmitting a payment validation request to the server, the payment validation request containing the identification information received by the first reception module and the current voice signal acquired by the first acquisition module, such that the server receiving the payment validation request from the terminal performs:
 detecting whether the identification information is identical to the pre-stored identification information; if it is detected to be identical:
 extracting voice characteristics associated with an identity information and a text password from the current voice signal; 
 matching the current voice characteristics to a pre-stored speaker model; 
 
 if successfully matched:
 an validation reply transmission module for transmitting an validation reply message to the terminal to indicate that payment request has been authorized for payment transaction, such that the terminal; 
 
   an validation reply reception module in the apparatus for receiving the validation reply message transmitted from the server, and utilizing the received validation reply message to proceed with a payment transaction;   wherein the server comprises:   at least a processor operating in conjunction with a memory and a plurality of modules, the plurality of modules comprise:   an validation request reception module for receiving a payment validation request sent from a terminal, the payment validation request comprises identification information and a current voice signal;   a first detection module for detecting whether the identification information is identical to a pre-stored identification information;   a first extraction module for extracting voice characteristics associated with an identity information and a text password from the current voice signal; when it is detected that the identification information is identical to the pre-stored identification information;   a matching module for matching the current voice characteristics to a pre-stored speaker model; if successfully matched;   an validation reply transmission module for transmitting an validation reply message to the terminal to indicate that payment request has been authorized for payment transaction, when it is determined that the current voice characteristics has been successfully matched to a pre-stored speaker model, such that the terminal utilizes the received validation reply message to proceed with a payment transaction,   wherein the identity information identifies an owner of the current voice signal, and the text password is a password indicated by the current voice signal.